Recent Blog Posts
Protecting Retirement Accounts in Bankruptcy and Divorce: What California Couples Need to Know
When financial strain and marital breakdown collide, retirement savings are often one of the greatest concerns. For many California couples, pensions, 401(k)s, and IRAs represent years of hard work and the foundation of future security. Facing bankruptcy and divorce at the same time can put those assets at risk if decisions are made without… Read More »
Education Department Delays Student Loan Wage Garnishment: What Los Angeles Borrowers Need to Know
For millions of Americans struggling with student loan debt, wage garnishment can feel like the breaking point. When paychecks are reduced before the money ever reaches a bank account, it becomes more challenging to cover rent, utilities, groceries, and other essential expenses. That is why a recent announcement from the U.S. Department of Education… Read More »
Can a Second Mortgage Lender Garnish Your Wages? What Happens If You Default in California
Falling behind on a second mortgage can lead to financial stress that feels overwhelming, especially when you’re not sure how far a lender can go to collect what you owe. Many California homeowners assume the biggest risk is foreclosure, but junior lienholders often have broader collection options when a property lacks equity. If a… Read More »
Bankruptcy and Small Business Owners: Protecting Yourself and Your Livelihood
Running a small business in California often means carrying the weight of every financial decision on your shoulders. When cash flow tightens, vendor debts pile up, or the future of the company becomes uncertain, the pressure can feel overwhelming. Many owners begin asking one of the most difficult questions: If my business fails, will… Read More »
Will Bankruptcy Ruin My Future? A Reality Check on Common Bankruptcy Myths
Filing for bankruptcy is often surrounded by fear, uncertainty, and a long list of myths that discourage people from seeking the relief they genuinely need. Many Californians worry that bankruptcy will ruin their credit forever, stop them from getting an apartment, or hurt their job prospects. Others fear it will leave them unable to… Read More »
How to Protect Your Family from Creditor Harassment in Los Angeles
When aggressive debt collection begins to spill into your daily life, the stress can quickly spread to the people around you. Many families feel overwhelmed when constant calls, intimidating letters, or repeated voicemails interrupt their routines. No one should feel that their home life is disrupted by persistent contact from debt collectors. Understanding your… Read More »
How Bankruptcy Can Simplify Debt Division in Divorce: Realistic Solutions for California Couples
Dividing debt is one of the most stressful parts of ending a marriage. Many California couples carry credit cards, medical bills, personal loans, or tax debt that accumulated over years of shared responsibilities, and disagreements over who should pay what can complicate divorce negotiations. Bankruptcy can provide structure during this time, offering relief from… Read More »
What Happens If One Spouse Files Bankruptcy During Divorce Negotiations in California?
Divorce already brings emotional and financial uncertainty, and adding bankruptcy into the mix can make things even more complicated. When one spouse files for bankruptcy while divorce negotiations are underway, both the timing and the type of bankruptcy can affect how assets and debts are divided. Understanding how these two systems interact is essential… Read More »
Common Mistakes People Make When Completing the Bankruptcy Means Test
The Bankruptcy Means Test is a central part of filing for consumer bankruptcy, and it plays a major role in determining whether you qualify for Chapter 7 or must pursue a Chapter 13 repayment plan. Because the test applies federal rules to California households, where living costs, housing expenses, and childcare needs often exceed… Read More »
How Expenses Are Calculated in the Bankruptcy Means Test: What You Can (and Can’t) Include
Filing for bankruptcy in California involves several important steps, but few are as central as the Bankruptcy Means Test. This calculation determines whether you qualify for Chapter 7 or whether your financial situation suggests a Chapter 13 repayment plan. Because the Means Test applies federal rules to your California household’s income and necessary living… Read More »